Home > Hamilton Bank > Performance and Condition Ratios
Hamilton Bank, Performance and Condition Ratios
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1413% | 4,028 |
| Cost of funding earning assets | 1.3057% | 653 |
| Net interest margin | 2.8355% | 4,952 |
| Noninterest income to average assets | 0.2600% | 4,154 |
| Noninterest expense to average assets | 2.4089% | 3,752 |
| Loan and lease loss provision to assets | 0.2415% | 614 |
| Net operating income to assets | 0.1795% | 5,026 |
| Return on assets (ROA) | 0.1795% | 5,036 |
| Pretax return on assets | 0.2068% | 5,024 |
| Return on Equity (ROE) | 1.7358% | 4,996 |
| Retained earnings to average equity (ytd only) | 1.7358% | 4,129 |
| Net charge-offs to loans | 0.3564% | 436 |
| Credit loss provision to net charge-offs | 91.7431% | 1,701 |
| Earnings coverage of net charge-offs (x) | 1.7034% | 2,568 |
| Efficiency ratio | 83.4366% | 752 |
| Assets per employee ($millions) | 7.3406% | 867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8229% | 4,448 |
| Loan loss allowance to noncurrent loans | 54.9077% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 1.1932% | 1,126 |
| Noncurrent loans to loans | 1.4988% | 1,076 |
| Net loans and leases to total assets | 72.5278% | 2,073 |
| Net loans and leases to deposits | 92.6858% | 1,319 |
| Net loans and leases to core deposits | 97.6649% | 1,802 |
| Total domestic deposits to total assets | 78.2513% | 4,476 |
| Equity capital to assets | 10.4037% | 3,414 |
| Core capital (leverage) ratio | 8.9780% | 4,665 |
| Tier 1 risk-based capital ratio | 12.6595% | 4,064 |
| Total risk-based capital ratio | 13.5420% | 4,162 |
| Memoranda: | ||
| Average total assets | $496,985,500 | 1,444 |
| Average earning assets | $455,223,000 | 1,464 |
| Average equity | $51,388,000 | 1,538 |
| Average total loans | $367,047,500 | 1,385 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1127% | 3,705 |
| Cost of funding earning assets | 1.0411% | 634 |
| Net interest margin | 3.0716% | 4,690 |
| Noninterest income to average assets | 0.3958% | 3,467 |
| Noninterest expense to average assets | 2.4638% | 3,718 |
| Loan and lease loss provision to assets | 0.2611% | 650 |
| Net operating income to assets | -0.5694% | 5,321 |
| Return on assets (ROA) | -0.5694% | 5,314 |
| Pretax return on assets | 0.4775% | 4,833 |
| Return on Equity (ROE) | -5.9527% | 5,324 |
| Retained earnings to average equity (ytd only) | -5.9527% | 5,267 |
| Net charge-offs to loans | 0.2390% | 817 |
| Credit loss provision to net charge-offs | 146.3736% | 1,866 |
| Earnings coverage of net charge-offs (x) | 4.1407% | 3,327 |
| Efficiency ratio | 76.1645% | 1,339 |
| Assets per employee ($millions) | 6.9692% | 986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8213% | 4,459 |
| Loan loss allowance to noncurrent loans | 54.8101% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 1.2405% | 1,040 |
| Noncurrent loans to loans | 1.4984% | 1,019 |
| Net loans and leases to total assets | 73.9737% | 1,941 |
| Net loans and leases to deposits | 94.4413% | 1,233 |
| Net loans and leases to core deposits | 99.4722% | 1,757 |
| Total domestic deposits to total assets | 78.3277% | 4,439 |
| Equity capital to assets | 10.2756% | 3,403 |
| Core capital (leverage) ratio | 8.9074% | 4,734 |
| Tier 1 risk-based capital ratio | 12.5566% | 4,098 |
| Total risk-based capital ratio | 13.4439% | 4,178 |
| Memoranda: | ||
| Average total assets | $510,154,200 | 1,382 |
| Average earning assets | $466,136,600 | 1,400 |
| Average equity | $48,801,000 | 1,544 |
| Average total loans | $380,750,600 | 1,306 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0968% | 3,642 |
| Cost of funding earning assets | 0.9848% | 633 |
| Net interest margin | 3.1120% | 4,682 |
| Noninterest income to average assets | 0.4708% | 3,038 |
| Noninterest expense to average assets | 2.4519% | 3,726 |
| Loan and lease loss provision to assets | 0.3248% | 436 |
| Net operating income to assets | -0.8485% | 5,414 |
| Return on assets (ROA) | -0.8485% | 5,408 |
| Pretax return on assets | 0.5370% | 4,843 |
| Return on Equity (ROE) | -9.0313% | 5,415 |
| Retained earnings to average equity (ytd only) | -9.0313% | 5,380 |
| Net charge-offs to loans | 0.2884% | 579 |
| Credit loss provision to net charge-offs | 150.8434% | 1,699 |
| Earnings coverage of net charge-offs (x) | 4.0024% | 3,110 |
| Efficiency ratio | 73.2582% | 1,690 |
| Assets per employee ($millions) | 6.8316% | 1,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8071% | 4,589 |
| Loan loss allowance to noncurrent loans | 49.8274% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 1.3677% | 982 |
| Noncurrent loans to loans | 1.6198% | 977 |
| Net loans and leases to total assets | 74.6931% | 1,876 |
| Net loans and leases to deposits | 95.4585% | 1,213 |
| Net loans and leases to core deposits | 100.7138% | 1,722 |
| Total domestic deposits to total assets | 78.2467% | 4,451 |
| Equity capital to assets | 9.8912% | 3,746 |
| Core capital (leverage) ratio | 8.6132% | 5,021 |
| Tier 1 risk-based capital ratio | 12.1958% | 4,382 |
| Total risk-based capital ratio | 13.0705% | 4,481 |
| Memoranda: | ||
| Average total assets | $513,990,000 | 1,375 |
| Average earning assets | $469,528,750 | 1,391 |
| Average equity | $48,290,000 | 1,560 |
| Average total loans | $383,673,000 | 1,300 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0225% | 3,718 |
| Cost of funding earning assets | 0.9442% | 598 |
| Net interest margin | 3.0783% | 4,772 |
| Noninterest income to average assets | 0.5675% | 2,487 |
| Noninterest expense to average assets | 2.4616% | 3,740 |
| Loan and lease loss provision to assets | 0.3891% | 317 |
| Net operating income to assets | -1.5312% | 5,495 |
| Return on assets (ROA) | -1.5312% | 5,489 |
| Pretax return on assets | 0.5267% | 4,859 |
| Return on Equity (ROE) | -16.5777% | 5,501 |
| Retained earnings to average equity (ytd only) | -16.5777% | 5,481 |
| Net charge-offs to loans | 0.4048% | 385 |
| Credit loss provision to net charge-offs | 129.1560% | 1,726 |
| Earnings coverage of net charge-offs (x) | 3.0396% | 2,919 |
| Efficiency ratio | 72.1652% | 1,973 |
| Assets per employee ($millions) | 7.1345% | 872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7454% | 4,837 |
| Loan loss allowance to noncurrent loans | 27.8738% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 2.0710% | 504 |
| Noncurrent loans to loans | 2.6740% | 459 |
| Net loans and leases to total assets | 72.5373% | 2,190 |
| Net loans and leases to deposits | 92.3339% | 1,540 |
| Net loans and leases to core deposits | 97.0688% | 1,956 |
| Total domestic deposits to total assets | 78.5598% | 4,501 |
| Equity capital to assets | 8.9773% | 4,582 |
| Core capital (leverage) ratio | 7.8236% | 5,392 |
| Tier 1 risk-based capital ratio | 11.0364% | 5,035 |
| Total risk-based capital ratio | 11.8303% | 5,136 |
| Memoranda: | ||
| Average total assets | $519,084,670 | 1,360 |
| Average earning assets | $473,834,670 | 1,388 |
| Average equity | $47,944,000 | 1,570 |
| Average total loans | $386,387,330 | 1,295 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9234% | 3,864 |
| Cost of funding earning assets | 0.9045% | 582 |
| Net interest margin | 3.0189% | 4,850 |
| Noninterest income to average assets | 0.7909% | 1,490 |
| Noninterest expense to average assets | 2.4289% | 3,866 |
| Loan and lease loss provision to assets | 0.7295% | 131 |
| Net operating income to assets | 0.3870% | 4,950 |
| Return on assets (ROA) | 0.3870% | 4,957 |
| Pretax return on assets | 0.3648% | 5,082 |
| Return on Equity (ROE) | 3.9358% | 4,774 |
| Retained earnings to average equity (ytd only) | 3.9358% | 3,615 |
| Net charge-offs to loans | 0.7573% | 190 |
| Credit loss provision to net charge-offs | 128.9009% | 1,344 |
| Earnings coverage of net charge-offs (x) | 1.9335% | 2,505 |
| Efficiency ratio | 68.2650% | 2,791 |
| Assets per employee ($millions) | 7.3105% | 845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7236% | 4,977 |
| Loan loss allowance to noncurrent loans | 39.3584% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 1.4492% | 983 |
| Noncurrent loans to loans | 1.8385% | 903 |
| Net loans and leases to total assets | 73.5561% | 1,933 |
| Net loans and leases to deposits | 94.7302% | 1,164 |
| Net loans and leases to core deposits | 100.0452% | 1,684 |
| Total domestic deposits to total assets | 77.6481% | 4,779 |
| Equity capital to assets | 9.7408% | 3,845 |
| Core capital (leverage) ratio | 8.1614% | 5,340 |
| Tier 1 risk-based capital ratio | 11.0368% | 5,114 |
| Total risk-based capital ratio | 11.7987% | 5,243 |
| Memoranda: | ||
| Average total assets | $520,903,000 | 1,371 |
| Average earning assets | $471,430,000 | 1,404 |
| Average equity | $51,222,500 | 1,497 |
| Average total loans | $389,269,500 | 1,286 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8563% | 3,864 |
| Cost of funding earning assets | 0.7359% | 865 |
| Net interest margin | 3.1205% | 4,647 |
| Noninterest income to average assets | 0.2546% | 4,609 |
| Noninterest expense to average assets | 2.4924% | 3,810 |
| Loan and lease loss provision to assets | 0.5864% | 218 |
| Net operating income to assets | -0.3975% | 5,501 |
| Return on assets (ROA) | -0.3979% | 5,500 |
| Pretax return on assets | -0.0142% | 5,442 |
| Return on Equity (ROE) | -3.8853% | 5,520 |
| Retained earnings to average equity (ytd only) | -3.8853% | 5,393 |
| Net charge-offs to loans | 0.6842% | 319 |
| Credit loss provision to net charge-offs | 122.4322% | 2,133 |
| Earnings coverage of net charge-offs (x) | 1.1956% | 3,918 |
| Efficiency ratio | 80.5085% | 1,059 |
| Assets per employee ($millions) | 6.8727% | 1,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6715% | 5,121 |
| Loan loss allowance to noncurrent loans | 39.3159% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 1.3749% | 1,028 |
| Noncurrent loans to loans | 1.7079% | 956 |
| Net loans and leases to total assets | 74.8745% | 1,776 |
| Net loans and leases to deposits | 97.4613% | 945 |
| Net loans and leases to core deposits | 103.3215% | 1,461 |
| Total domestic deposits to total assets | 76.8249% | 4,878 |
| Equity capital to assets | 9.9280% | 3,780 |
| Core capital (leverage) ratio | 8.1942% | 5,355 |
| Tier 1 risk-based capital ratio | 11.0132% | 5,139 |
| Total risk-based capital ratio | 11.7281% | 5,286 |
| Memoranda: | ||
| Average total assets | $508,193,400 | 1,376 |
| Average earning assets | $457,689,200 | 1,418 |
| Average equity | $52,041,800 | 1,473 |
| Average total loans | $355,767,800 | 1,364 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8381% | 3,875 |
| Cost of funding earning assets | 0.7082% | 927 |
| Net interest margin | 3.1299% | 4,623 |
| Noninterest income to average assets | 0.2099% | 4,959 |
| Noninterest expense to average assets | 2.4729% | 3,816 |
| Loan and lease loss provision to assets | 0.6941% | 162 |
| Net operating income to assets | -0.0391% | 5,528 |
| Return on assets (ROA) | -0.0374% | 5,533 |
| Pretax return on assets | -0.1382% | 5,562 |
| Return on Equity (ROE) | -0.3623% | 5,532 |
| Retained earnings to average equity (ytd only) | -0.3623% | 5,267 |
| Net charge-offs to loans | 0.8547% | 211 |
| Credit loss provision to net charge-offs | 118.3124% | 2,027 |
| Earnings coverage of net charge-offs (x) | 0.9430% | 3,613 |
| Efficiency ratio | 80.9014% | 1,008 |
| Assets per employee ($millions) | 6.9777% | 964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6719% | 5,201 |
| Loan loss allowance to noncurrent loans | 41.9098% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 1.2523% | 1,298 |
| Noncurrent loans to loans | 1.6032% | 1,145 |
| Net loans and leases to total assets | 71.7159% | 2,297 |
| Net loans and leases to deposits | 91.9149% | 1,580 |
| Net loans and leases to core deposits | 97.3947% | 1,940 |
| Total domestic deposits to total assets | 78.0242% | 4,722 |
| Equity capital to assets | 10.3843% | 3,496 |
| Core capital (leverage) ratio | 8.3783% | 5,330 |
| Tier 1 risk-based capital ratio | 11.3162% | 5,062 |
| Total risk-based capital ratio | 12.0096% | 5,272 |
| Memoranda: | ||
| Average total assets | $506,378,500 | 1,398 |
| Average earning assets | $455,630,750 | 1,436 |
| Average equity | $52,258,750 | 1,483 |
| Average total loans | $347,571,750 | 1,394 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8260% | 3,804 |
| Cost of funding earning assets | 0.6888% | 948 |
| Net interest margin | 3.1372% | 4,581 |
| Noninterest income to average assets | 0.1975% | 5,056 |
| Noninterest expense to average assets | 2.4643% | 3,870 |
| Loan and lease loss provision to assets | 0.9953% | 98 |
| Net operating income to assets | -0.2228% | 5,627 |
| Return on assets (ROA) | -0.2228% | 5,626 |
| Pretax return on assets | -0.4393% | 5,659 |
| Return on Equity (ROE) | -2.1634% | 5,629 |
| Retained earnings to average equity (ytd only) | -2.1634% | 5,361 |
| Net charge-offs to loans | 1.3033% | 143 |
| Credit loss provision to net charge-offs | 113.2373% | 1,849 |
| Earnings coverage of net charge-offs (x) | 0.6326% | 3,361 |
| Efficiency ratio | 80.7652% | 1,130 |
| Assets per employee ($millions) | 7.0040% | 935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6673% | 5,270 |
| Loan loss allowance to noncurrent loans | 92.3228% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 0.6010% | 2,767 |
| Noncurrent loans to loans | 0.7228% | 2,581 |
| Net loans and leases to total assets | 68.6188% | 2,722 |
| Net loans and leases to deposits | 84.1253% | 2,459 |
| Net loans and leases to core deposits | 89.2480% | 2,593 |
| Total domestic deposits to total assets | 81.5673% | 4,027 |
| Equity capital to assets | 10.2280% | 3,649 |
| Core capital (leverage) ratio | 8.2494% | 5,392 |
| Tier 1 risk-based capital ratio | 11.9661% | 4,654 |
| Total risk-based capital ratio | 12.6772% | 4,903 |
| Memoranda: | ||
| Average total assets | $505,379,670 | 1,401 |
| Average earning assets | $454,731,670 | 1,440 |
| Average equity | $52,046,670 | 1,492 |
| Average total loans | $340,837,670 | 1,415 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8328% | 3,646 |
| Cost of funding earning assets | 0.6586% | 1,033 |
| Net interest margin | 3.1742% | 4,424 |
| Noninterest income to average assets | 0.1759% | 5,221 |
| Noninterest expense to average assets | 2.5372% | 3,699 |
| Loan and lease loss provision to assets | 1.8748% | 37 |
| Net operating income to assets | -0.7818% | 5,770 |
| Return on assets (ROA) | -0.7818% | 5,769 |
| Pretax return on assets | -1.3812% | 5,793 |
| Return on Equity (ROE) | -7.5664% | 5,766 |
| Retained earnings to average equity (ytd only) | -7.5664% | 5,508 |
| Net charge-offs to loans | 2.6571% | 67 |
| Credit loss provision to net charge-offs | 105.9379% | 1,511 |
| Earnings coverage of net charge-offs (x) | 0.2789% | 2,830 |
| Efficiency ratio | 82.8737% | 1,081 |
| Assets per employee ($millions) | 6.8906% | 1,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6485% | 5,406 |
| Loan loss allowance to noncurrent loans | 94.4899% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 0.5542% | 3,016 |
| Noncurrent loans to loans | 0.6864% | 2,788 |
| Net loans and leases to total assets | 65.9452% | 2,982 |
| Net loans and leases to deposits | 80.7829% | 2,642 |
| Net loans and leases to core deposits | 85.7453% | 2,741 |
| Total domestic deposits to total assets | 81.6327% | 4,267 |
| Equity capital to assets | 10.0940% | 3,636 |
| Core capital (leverage) ratio | 8.2420% | 5,408 |
| Tier 1 risk-based capital ratio | 12.0718% | 4,666 |
| Total risk-based capital ratio | 12.7528% | 4,929 |
| Memoranda: | ||
| Average total assets | $502,448,500 | 1,415 |
| Average earning assets | $451,894,000 | 1,453 |
| Average equity | $51,914,000 | 1,488 |
| Average total loans | $334,656,500 | 1,443 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7957% | 3,926 |
| Cost of funding earning assets | 0.6799% | 910 |
| Net interest margin | 3.1158% | 4,685 |
| Noninterest income to average assets | 0.2204% | 5,091 |
| Noninterest expense to average assets | 2.6786% | 3,419 |
| Loan and lease loss provision to assets | 0.2837% | 695 |
| Net operating income to assets | 0.0584% | 5,605 |
| Return on assets (ROA) | 0.1073% | 5,585 |
| Pretax return on assets | 0.1214% | 5,572 |
| Return on Equity (ROE) | 0.9560% | 5,574 |
| Retained earnings to average equity (ytd only) | -46.0597% | 5,899 |
| Net charge-offs to loans | 0.4314% | 594 |
| Credit loss provision to net charge-offs | 103.7812% | 2,498 |
| Earnings coverage of net charge-offs (x) | 1.2784% | 4,009 |
| Efficiency ratio | 87.6389% | 702 |
| Assets per employee ($millions) | 6.7807% | 1,016 |
| Cash dividends to net income (ytd only)* | 4,918.0328% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6235% | 5,492 |
| Loan loss allowance to noncurrent loans | 67.7727% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 0.7079% | 2,607 |
| Noncurrent loans to loans | 0.9200% | 2,257 |
| Net loans and leases to total assets | 66.4247% | 3,012 |
| Net loans and leases to deposits | 80.0466% | 2,883 |
| Net loans and leases to core deposits | 85.1219% | 2,917 |
| Total domestic deposits to total assets | 82.9826% | 3,774 |
| Equity capital to assets | 10.5775% | 3,068 |
| Core capital (leverage) ratio | 8.5135% | 5,247 |
| Tier 1 risk-based capital ratio | 12.7256% | 4,259 |
| Total risk-based capital ratio | 13.3698% | 4,523 |
| Memoranda: | ||
| Average total assets | $454,710,800 | 1,497 |
| Average earning assets | $409,752,000 | 1,536 |
| Average equity | $51,046,800 | 1,492 |
| Average total loans | $288,158,200 | 1,569 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7223% | 4,174 |
| Cost of funding earning assets | 0.6681% | 959 |
| Net interest margin | 3.0542% | 4,892 |
| Noninterest income to average assets | 0.2231% | 5,135 |
| Noninterest expense to average assets | 2.7281% | 3,265 |
| Loan and lease loss provision to assets | 0.1529% | 1,529 |
| Net operating income to assets | 0.0760% | 5,653 |
| Return on assets (ROA) | 0.1295% | 5,642 |
| Pretax return on assets | 0.1661% | 5,598 |
| Return on Equity (ROE) | 1.1356% | 5,630 |
| Retained earnings to average equity (ytd only) | -61.9555% | 5,971 |
| Net charge-offs to loans | 0.2806% | 822 |
| Credit loss provision to net charge-offs | 87.3288% | 2,573 |
| Earnings coverage of net charge-offs (x) | 1.4298% | 3,695 |
| Efficiency ratio | 90.7681% | 527 |
| Assets per employee ($millions) | 6.9892% | 895 |
| Cash dividends to net income (ytd only)* | 5,555.5131% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5893% | 5,623 |
| Loan loss allowance to noncurrent loans | 40.6276% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 1.0270% | 2,010 |
| Noncurrent loans to loans | 1.4504% | 1,494 |
| Net loans and leases to total assets | 64.2148% | 3,371 |
| Net loans and leases to deposits | 76.7804% | 3,310 |
| Net loans and leases to core deposits | 81.5172% | 3,323 |
| Total domestic deposits to total assets | 83.6343% | 3,341 |
| Equity capital to assets | 9.8956% | 4,245 |
| Core capital (leverage) ratio | 7.6457% | 5,799 |
| Tier 1 risk-based capital ratio | 11.7078% | 4,975 |
| Total risk-based capital ratio | 12.3135% | 5,244 |
| Memoranda: | ||
| Average total assets | $444,640,500 | 1,528 |
| Average earning assets | $401,144,500 | 1,560 |
| Average equity | $50,719,000 | 1,504 |
| Average total loans | $277,482,750 | 1,627 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6174% | 4,538 |
| Cost of funding earning assets | 0.6454% | 1,070 |
| Net interest margin | 2.9721% | 5,130 |
| Noninterest income to average assets | 0.2133% | 5,214 |
| Noninterest expense to average assets | 2.8123% | 2,989 |
| Loan and lease loss provision to assets | 0.2176% | 961 |
| Net operating income to assets | -0.0622% | 5,798 |
| Return on assets (ROA) | 0.0071% | 5,788 |
| Pretax return on assets | -0.0199% | 5,799 |
| Return on Equity (ROE) | 0.0591% | 5,789 |
| Retained earnings to average equity (ytd only) | -94.4366% | 6,052 |
| Net charge-offs to loans | 0.4452% | 509 |
| Credit loss provision to net charge-offs | 79.4473% | 2,372 |
| Earnings coverage of net charge-offs (x) | 0.3264% | 3,527 |
| Efficiency ratio | 96.1037% | 342 |
| Assets per employee ($millions) | 6.9181% | 901 |
| Cash dividends to net income (ytd only)* | 160,000.0000% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5734% | 5,714 |
| Loan loss allowance to noncurrent loans | 42.7927% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 0.9432% | 2,267 |
| Noncurrent loans to loans | 1.3400% | 1,679 |
| Net loans and leases to total assets | 63.3936% | 3,450 |
| Net loans and leases to deposits | 75.8266% | 3,404 |
| Net loans and leases to core deposits | 80.9267% | 3,373 |
| Total domestic deposits to total assets | 83.6033% | 3,422 |
| Equity capital to assets | 9.6856% | 4,567 |
| Core capital (leverage) ratio | 8.4959% | 5,371 |
| Tier 1 risk-based capital ratio | 11.8369% | 4,948 |
| Total risk-based capital ratio | 12.4471% | 5,232 |
| Memoranda: | ||
| Average total assets | $422,784,670 | 1,606 |
| Average earning assets | $382,425,000 | 1,634 |
| Average equity | $50,796,000 | 1,512 |
| Average total loans | $260,120,000 | 1,735 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7309% | 4,207 |
| Cost of funding earning assets | 0.6584% | 1,003 |
| Net interest margin | 3.0725% | 4,945 |
| Noninterest income to average assets | 0.2124% | 5,215 |
| Noninterest expense to average assets | 2.6535% | 3,563 |
| Loan and lease loss provision to assets | 0.2668% | 635 |
| Net operating income to assets | 0.0471% | 5,746 |
| Return on assets (ROA) | 0.2060% | 5,580 |
| Pretax return on assets | 0.3159% | 5,485 |
| Return on Equity (ROE) | 1.5117% | 5,615 |
| Retained earnings to average equity (ytd only) | 1.5117% | 4,667 |
| Net charge-offs to loans | 1.0037% | 184 |
| Credit loss provision to net charge-offs | 44.3262% | 2,102 |
| Earnings coverage of net charge-offs (x) | 0.5621% | 2,918 |
| Efficiency ratio | 87.8345% | 824 |
| Assets per employee ($millions) | 6.3453% | 1,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7677% | 5,446 |
| Loan loss allowance to noncurrent loans | 32.3083% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 1.4755% | 1,393 |
| Noncurrent loans to loans | 2.3762% | 824 |
| Net loans and leases to total assets | 56.8388% | 4,168 |
| Net loans and leases to deposits | 69.4318% | 3,908 |
| Net loans and leases to core deposits | 74.9922% | 3,790 |
| Total domestic deposits to total assets | 81.8628% | 4,264 |
| Equity capital to assets | 13.3175% | 1,258 |
| Core capital (leverage) ratio | 11.7817% | 1,770 |
| Tier 1 risk-based capital ratio | 19.0591% | 1,726 |
| Total risk-based capital ratio | 19.8057% | 1,798 |
| Memoranda: | ||
| Average total assets | $374,750,000 | 1,789 |
| Average earning assets | $339,006,500 | 1,833 |
| Average equity | $51,067,000 | 1,503 |
| Average total loans | $224,771,500 | 1,954 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6982% | 4,373 |
| Cost of funding earning assets | 0.6305% | 1,170 |
| Net interest margin | 3.0676% | 4,982 |
| Noninterest income to average assets | 0.3242% | 4,577 |
| Noninterest expense to average assets | 2.7954% | 3,247 |
| Loan and lease loss provision to assets | 0.0048% | 4,292 |
| Net operating income to assets | 0.2025% | 5,568 |
| Return on assets (ROA) | 0.2116% | 5,611 |
| Pretax return on assets | 0.3131% | 5,497 |
| Return on Equity (ROE) | 1.3788% | 5,705 |
| Retained earnings to average equity (ytd only) | -19.3554% | 6,114 |
| Net charge-offs to loans | -0.0196% | 5,260 |
| Credit loss provision to net charge-offs | -40.5405% | 5,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7044% | 705 |
| Assets per employee ($millions) | 6.1430% | 1,289 |
| Cash dividends to net income (ytd only)* | 1,503.7594% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8848% | 5,136 |
| Loan loss allowance to noncurrent loans | 39.0093% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 1.5481% | 1,284 |
| Noncurrent loans to loans | 2.2683% | 853 |
| Net loans and leases to total assets | 62.3068% | 3,512 |
| Net loans and leases to deposits | 77.4920% | 3,104 |
| Net loans and leases to core deposits | 83.5556% | 3,002 |
| Total domestic deposits to total assets | 80.4042% | 4,639 |
| Equity capital to assets | 13.9574% | 944 |
| Core capital (leverage) ratio | 12.5969% | 1,309 |
| Tier 1 risk-based capital ratio | 18.7321% | 1,767 |
| Total risk-based capital ratio | 19.5969% | 1,823 |
| Memoranda: | ||
| Average total assets | $314,270,600 | 2,069 |
| Average earning assets | $284,356,200 | 2,107 |
| Average equity | $48,229,400 | 1,544 |
| Average total loans | $188,432,800 | 2,169 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5592% | 4,844 |
| Cost of funding earning assets | 0.6187% | 1,292 |
| Net interest margin | 2.9405% | 5,331 |
| Noninterest income to average assets | 0.3534% | 4,416 |
| Noninterest expense to average assets | 2.7784% | 3,280 |
| Loan and lease loss provision to assets | -0.0243% | 5,859 |
| Net operating income to assets | 0.1847% | 5,704 |
| Return on assets (ROA) | 0.1915% | 5,756 |
| Pretax return on assets | 0.2740% | 5,681 |
| Return on Equity (ROE) | 1.2146% | 5,827 |
| Retained earnings to average equity (ytd only) | 1.2146% | 5,238 |
| Net charge-offs to loans | 0.1307% | 1,831 |
| Credit loss provision to net charge-offs | -31.4286% | 4,920 |
| Earnings coverage of net charge-offs (x) | 3.1086% | 3,555 |
| Efficiency ratio | 91.7276% | 587 |
| Assets per employee ($millions) | 6.3902% | 1,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7718% | 5,579 |
| Loan loss allowance to noncurrent loans | 59.0599% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 0.9442% | 2,499 |
| Noncurrent loans to loans | 1.3068% | 1,954 |
| Net loans and leases to total assets | 62.2996% | 3,565 |
| Net loans and leases to deposits | 77.8145% | 3,113 |
| Net loans and leases to core deposits | 82.9239% | 3,157 |
| Total domestic deposits to total assets | 80.0616% | 4,739 |
| Equity capital to assets | 14.1270% | 974 |
| Core capital (leverage) ratio | 14.8306% | 669 |
| Tier 1 risk-based capital ratio | 18.4814% | 1,904 |
| Total risk-based capital ratio | 19.2322% | 1,998 |
| Memoranda: | ||
| Average total assets | $302,228,500 | 2,153 |
| Average earning assets | $273,914,250 | 2,195 |
| Average equity | $47,640,000 | 1,565 |
| Average total loans | $178,581,000 | 2,261 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6831% | 4,456 |
| Cost of funding earning assets | 0.6318% | 1,222 |
| Net interest margin | 3.0513% | 5,092 |
| Noninterest income to average assets | 0.4096% | 4,009 |
| Noninterest expense to average assets | 3.0167% | 2,500 |
| Loan and lease loss provision to assets | -0.1234% | 6,108 |
| Net operating income to assets | 0.1925% | 5,709 |
| Return on assets (ROA) | 0.1925% | 5,774 |
| Pretax return on assets | 0.2912% | 5,676 |
| Return on Equity (ROE) | 1.1699% | 5,874 |
| Retained earnings to average equity (ytd only) | 1.1699% | 5,098 |
| Net charge-offs to loans | 0.1421% | 1,648 |
| Credit loss provision to net charge-offs | -150.8621% | 4,973 |
| Earnings coverage of net charge-offs (x) | 2.0517% | 3,411 |
| Efficiency ratio | 94.4211% | 502 |
| Assets per employee ($millions) | 5.3843% | 1,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9848% | 4,942 |
| Loan loss allowance to noncurrent loans | 62.1471% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 1.0986% | 2,312 |
| Noncurrent loans to loans | 1.5846% | 1,657 |
| Net loans and leases to total assets | 58.9439% | 3,986 |
| Net loans and leases to deposits | 73.4605% | 3,557 |
| Net loans and leases to core deposits | 78.1108% | 3,559 |
| Total domestic deposits to total assets | 80.2388% | 4,810 |
| Equity capital to assets | 16.3466% | 483 |
| Core capital (leverage) ratio | 15.7714% | 501 |
| Tier 1 risk-based capital ratio | 23.4712% | 1,013 |
| Total risk-based capital ratio | 24.3662% | 1,047 |
| Memoranda: | ||
| Average total assets | $283,687,000 | 2,277 |
| Average earning assets | $257,986,670 | 2,310 |
| Average equity | $46,668,670 | 1,602 |
| Average total loans | $163,216,330 | 2,448 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6862% | 4,416 |
| Cost of funding earning assets | 0.6408% | 1,176 |
| Net interest margin | 3.0454% | 5,089 |
| Noninterest income to average assets | 0.0424% | 6,248 |
| Noninterest expense to average assets | 3.1747% | 2,051 |
| Loan and lease loss provision to assets | -0.2475% | 6,283 |
| Net operating income to assets | -0.0537% | 6,059 |
| Return on assets (ROA) | -0.0537% | 6,096 |
| Pretax return on assets | -0.1160% | 6,126 |
| Return on Equity (ROE) | -0.3255% | 6,086 |
| Retained earnings to average equity (ytd only) | -0.3255% | 5,442 |
| Net charge-offs to loans | 0.2477% | 966 |
| Credit loss provision to net charge-offs | -176.7677% | 4,585 |
| Earnings coverage of net charge-offs (x) | -2.5960% | 3,215 |
| Efficiency ratio | 112.5755% | 177 |
| Assets per employee ($millions) | 5.1819% | 2,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0506% | 4,758 |
| Loan loss allowance to noncurrent loans | 75.0111% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 0.9698% | 2,681 |
| Noncurrent loans to loans | 1.4005% | 2,050 |
| Net loans and leases to total assets | 55.8504% | 4,219 |
| Net loans and leases to deposits | 69.7379% | 3,780 |
| Net loans and leases to core deposits | 74.4220% | 3,742 |
| Total domestic deposits to total assets | 80.0862% | 5,029 |
| Equity capital to assets | 16.4710% | 488 |
| Core capital (leverage) ratio | 15.8374% | 485 |
| Tier 1 risk-based capital ratio | 24.3800% | 951 |
| Total risk-based capital ratio | 25.3300% | 970 |
| Memoranda: | ||
| Average total assets | $282,862,500 | 2,299 |
| Average earning assets | $257,176,500 | 2,333 |
| Average equity | $46,695,500 | 1,603 |
| Average total loans | $159,884,500 | 2,491 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5939% | 5,095 |
| Cost of funding earning assets | 0.6881% | 1,162 |
| Net interest margin | 2.9058% | 5,635 |
| Noninterest income to average assets | 0.1654% | 5,870 |
| Noninterest expense to average assets | 3.1222% | 2,442 |
| Loan and lease loss provision to assets | 0.2496% | 914 |
| Net operating income to assets | -0.3212% | 6,246 |
| Return on assets (ROA) | -0.2524% | 6,225 |
| Pretax return on assets | -0.4625% | 6,279 |
| Return on Equity (ROE) | -1.5982% | 6,192 |
| Retained earnings to average equity (ytd only) | -1.5982% | 5,974 |
| Net charge-offs to loans | 0.8675% | 379 |
| Credit loss provision to net charge-offs | 55.2147% | 3,373 |
| Earnings coverage of net charge-offs (x) | -0.7086% | 4,778 |
| Efficiency ratio | 110.9998% | 207 |
| Assets per employee ($millions) | 5.1985% | 2,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2360% | 3,788 |
| Loan loss allowance to noncurrent loans | 72.4723% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 1.2065% | 2,362 |
| Noncurrent loans to loans | 1.7054% | 1,714 |
| Net loans and leases to total assets | 55.9057% | 4,351 |
| Net loans and leases to deposits | 68.9354% | 4,036 |
| Net loans and leases to core deposits | 73.5373% | 3,958 |
| Total domestic deposits to total assets | 81.0987% | 4,719 |
| Equity capital to assets | 16.5460% | 477 |
| Core capital (leverage) ratio | 15.2747% | 567 |
| Tier 1 risk-based capital ratio | 24.4273% | 902 |
| Total risk-based capital ratio | 25.5794% | 892 |
| Memoranda: | ||
| Average total assets | $288,455,000 | 2,224 |
| Average earning assets | $261,722,000 | 2,260 |
| Average equity | $45,552,600 | 1,579 |
| Average total loans | $150,308,600 | 2,563 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5864% | 5,178 |
| Cost of funding earning assets | 0.6893% | 1,202 |
| Net interest margin | 2.8971% | 5,708 |
| Noninterest income to average assets | 0.1235% | 6,146 |
| Noninterest expense to average assets | 3.1552% | 2,309 |
| Loan and lease loss provision to assets | 0.3880% | 443 |
| Net operating income to assets | -0.4548% | 6,356 |
| Return on assets (ROA) | -0.3760% | 6,335 |
| Pretax return on assets | -0.6685% | 6,399 |
| Return on Equity (ROE) | -2.4090% | 6,299 |
| Retained earnings to average equity (ytd only) | -2.4090% | 6,106 |
| Net charge-offs to loans | 1.1690% | 239 |
| Credit loss provision to net charge-offs | 65.0500% | 2,853 |
| Earnings coverage of net charge-offs (x) | -0.6767% | 4,513 |
| Efficiency ratio | 114.2333% | 181 |
| Assets per employee ($millions) | 5.0952% | 2,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4040% | 3,152 |
| Loan loss allowance to noncurrent loans | 56.5335% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 1.5354% | 2,001 |
| Noncurrent loans to loans | 2.4835% | 1,185 |
| Net loans and leases to total assets | 51.5365% | 4,854 |
| Net loans and leases to deposits | 62.2360% | 4,716 |
| Net loans and leases to core deposits | 66.1217% | 4,694 |
| Total domestic deposits to total assets | 82.8081% | 4,206 |
| Equity capital to assets | 15.8097% | 591 |
| Core capital (leverage) ratio | 14.6399% | 689 |
| Tier 1 risk-based capital ratio | 25.0713% | 875 |
| Total risk-based capital ratio | 26.3115% | 864 |
| Memoranda: | ||
| Average total assets | $290,388,500 | 2,223 |
| Average earning assets | $263,429,750 | 2,260 |
| Average equity | $45,328,750 | 1,590 |
| Average total loans | $148,160,000 | 2,612 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6287% | 5,073 |
| Cost of funding earning assets | 0.6865% | 1,260 |
| Net interest margin | 2.9422% | 5,651 |
| Noninterest income to average assets | 0.0349% | 6,479 |
| Noninterest expense to average assets | 3.2225% | 2,122 |
| Loan and lease loss provision to assets | 0.4622% | 335 |
| Net operating income to assets | -0.5672% | 6,449 |
| Return on assets (ROA) | -0.5225% | 6,443 |
| Pretax return on assets | -0.9094% | 6,499 |
| Return on Equity (ROE) | -3.3611% | 6,388 |
| Retained earnings to average equity (ytd only) | -3.3611% | 6,119 |
| Net charge-offs to loans | 1.5910% | 169 |
| Credit loss provision to net charge-offs | 57.3980% | 2,676 |
| Earnings coverage of net charge-offs (x) | -0.6420% | 4,187 |
| Efficiency ratio | 118.6788% | 151 |
| Assets per employee ($millions) | 4.9639% | 2,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3933% | 3,390 |
| Loan loss allowance to noncurrent loans | 40.2477% | 5,488 |
| Noncurrent assets plus other real estate owned to assets | 1.9633% | 1,637 |
| Noncurrent loans to loans | 3.4618% | 771 |
| Net loans and leases to total assets | 49.4667% | 5,019 |
| Net loans and leases to deposits | 59.5720% | 4,901 |
| Net loans and leases to core deposits | 63.3317% | 4,879 |
| Total domestic deposits to total assets | 83.0367% | 4,290 |
| Equity capital to assets | 15.6436% | 600 |
| Core capital (leverage) ratio | 15.1012% | 591 |
| Tier 1 risk-based capital ratio | 26.8483% | 712 |
| Total risk-based capital ratio | 28.0984% | 697 |
| Memoranda: | ||
| Average total assets | $292,074,000 | 2,212 |
| Average earning assets | $265,110,330 | 2,242 |
| Average equity | $45,401,670 | 1,575 |
| Average total loans | $147,832,000 | 2,614 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6755% | 4,927 |
| Cost of funding earning assets | 0.6889% | 1,311 |
| Net interest margin | 2.9866% | 5,555 |
| Noninterest income to average assets | -0.2180% | 6,689 |
| Noninterest expense to average assets | 3.4161% | 1,657 |
| Loan and lease loss provision to assets | 0.5143% | 282 |
| Net operating income to assets | -0.8629% | 6,553 |
| Return on assets (ROA) | -0.7927% | 6,538 |
| Pretax return on assets | -1.3275% | 6,601 |
| Return on Equity (ROE) | -5.1156% | 6,471 |
| Retained earnings to average equity (ytd only) | -5.1156% | 6,128 |
| Net charge-offs to loans | 3.0670% | 61 |
| Credit loss provision to net charge-offs | 32.9815% | 2,368 |
| Earnings coverage of net charge-offs (x) | -0.5919% | 3,489 |
| Efficiency ratio | 136.5237% | 96 |
| Assets per employee ($millions) | 5.0484% | 2,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2343% | 4,460 |
| Loan loss allowance to noncurrent loans | 35.4295% | 5,707 |
| Noncurrent assets plus other real estate owned to assets | 1.9484% | 1,760 |
| Noncurrent loans to loans | 3.4838% | 840 |
| Net loans and leases to total assets | 48.8079% | 5,022 |
| Net loans and leases to deposits | 58.7259% | 4,870 |
| Net loans and leases to core deposits | 62.4953% | 4,830 |
| Total domestic deposits to total assets | 83.1114% | 4,570 |
| Equity capital to assets | 15.4798% | 601 |
| Core capital (leverage) ratio | 15.0994% | 590 |
| Tier 1 risk-based capital ratio | 27.2777% | 695 |
| Total risk-based capital ratio | 28.3846% | 690 |
| Memoranda: | ||
| Average total assets | $291,677,000 | 2,221 |
| Average earning assets | $264,781,000 | 2,253 |
| Average equity | $45,195,000 | 1,579 |
| Average total loans | $148,288,500 | 2,608 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6491% | 5,281 |
| Cost of funding earning assets | 0.7710% | 1,368 |
| Net interest margin | 2.8781% | 5,828 |
| Noninterest income to average assets | 0.2088% | 5,833 |
| Noninterest expense to average assets | 2.7138% | 4,044 |
| Loan and lease loss provision to assets | 0.9063% | 215 |
| Net operating income to assets | -0.4298% | 6,466 |
| Return on assets (ROA) | -0.3801% | 6,464 |
| Pretax return on assets | -0.7084% | 6,540 |
| Return on Equity (ROE) | -2.5344% | 6,400 |
| Retained earnings to average equity (ytd only) | -2.5344% | 6,222 |
| Net charge-offs to loans | 1.3979% | 347 |
| Credit loss provision to net charge-offs | 127.1300% | 1,853 |
| Earnings coverage of net charge-offs (x) | 0.1686% | 5,025 |
| Efficiency ratio | 95.2735% | 685 |
| Assets per employee ($millions) | 5.2827% | 1,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6777% | 2,472 |
| Loan loss allowance to noncurrent loans | 51.8624% | 5,184 |
| Noncurrent assets plus other real estate owned to assets | 2.0362% | 1,764 |
| Noncurrent loans to loans | 3.2348% | 1,033 |
| Net loans and leases to total assets | 51.3962% | 4,929 |
| Net loans and leases to deposits | 61.8769% | 4,738 |
| Net loans and leases to core deposits | 65.4399% | 4,741 |
| Total domestic deposits to total assets | 83.0619% | 4,527 |
| Equity capital to assets | 15.5101% | 592 |
| Core capital (leverage) ratio | 15.2955% | 567 |
| Tier 1 risk-based capital ratio | 26.7992% | 697 |
| Total risk-based capital ratio | 28.0525% | 683 |
| Memoranda: | ||
| Average total assets | $312,807,200 | 2,059 |
| Average earning assets | $285,326,800 | 2,073 |
| Average equity | $46,914,000 | 1,495 |
| Average total loans | $159,522,600 | 2,431 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6331% | 5,347 |
| Cost of funding earning assets | 0.7904% | 1,379 |
| Net interest margin | 2.8426% | 5,936 |
| Noninterest income to average assets | 0.2253% | 5,816 |
| Noninterest expense to average assets | 2.6459% | 4,220 |
| Loan and lease loss provision to assets | 1.1123% | 132 |
| Net operating income to assets | -0.5248% | 6,609 |
| Return on assets (ROA) | -0.4586% | 6,597 |
| Pretax return on assets | -0.8330% | 6,669 |
| Return on Equity (ROE) | -3.0816% | 6,525 |
| Retained earnings to average equity (ytd only) | -3.0816% | 6,361 |
| Net charge-offs to loans | 1.6023% | 268 |
| Credit loss provision to net charge-offs | 136.9072% | 1,715 |
| Earnings coverage of net charge-offs (x) | 0.2165% | 4,793 |
| Efficiency ratio | 93.2769% | 776 |
| Assets per employee ($millions) | 5.5236% | 1,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7238% | 2,543 |
| Loan loss allowance to noncurrent loans | 54.7457% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 2.1778% | 1,831 |
| Noncurrent loans to loans | 3.1488% | 1,248 |
| Net loans and leases to total assets | 49.8980% | 5,147 |
| Net loans and leases to deposits | 59.7233% | 5,007 |
| Net loans and leases to core deposits | 63.0814% | 5,001 |
| Total domestic deposits to total assets | 83.5486% | 4,359 |
| Equity capital to assets | 15.0844% | 698 |
| Core capital (leverage) ratio | 14.6873% | 693 |
| Tier 1 risk-based capital ratio | 26.0906% | 779 |
| Total risk-based capital ratio | 27.3449% | 767 |
| Memoranda: | ||
| Average total assets | $318,372,250 | 2,027 |
| Average earning assets | $290,803,750 | 2,045 |
| Average equity | $47,376,500 | 1,492 |
| Average total loans | $161,433,750 | 2,415 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5884% | 5,474 |
| Cost of funding earning assets | 0.8159% | 1,332 |
| Net interest margin | 2.7726% | 6,061 |
| Noninterest income to average assets | 0.2147% | 5,906 |
| Noninterest expense to average assets | 2.5802% | 4,455 |
| Loan and lease loss provision to assets | 1.0154% | 183 |
| Net operating income to assets | -0.4691% | 6,623 |
| Return on assets (ROA) | -0.3713% | 6,615 |
| Pretax return on assets | -0.6837% | 6,684 |
| Return on Equity (ROE) | -2.5056% | 6,553 |
| Retained earnings to average equity (ytd only) | -2.5056% | 6,253 |
| Net charge-offs to loans | 1.6529% | 299 |
| Credit loss provision to net charge-offs | 121.1965% | 1,845 |
| Earnings coverage of net charge-offs (x) | 0.2134% | 4,478 |
| Efficiency ratio | 93.0253% | 814 |
| Assets per employee ($millions) | 5.7262% | 1,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3628% | 4,197 |
| Loan loss allowance to noncurrent loans | 53.5414% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 1.5625% | 2,770 |
| Noncurrent loans to loans | 2.5453% | 1,815 |
| Net loans and leases to total assets | 51.2496% | 4,962 |
| Net loans and leases to deposits | 61.0383% | 4,857 |
| Net loans and leases to core deposits | 64.5366% | 4,836 |
| Total domestic deposits to total assets | 83.9630% | 4,332 |
| Equity capital to assets | 14.7536% | 774 |
| Core capital (leverage) ratio | 14.3265% | 742 |
| Tier 1 risk-based capital ratio | 25.2865% | 844 |
| Total risk-based capital ratio | 26.5364% | 825 |
| Memoranda: | ||
| Average total assets | $323,230,330 | 2,006 |
| Average earning assets | $296,622,000 | 2,004 |
| Average equity | $47,893,330 | 1,487 |
| Average total loans | $163,829,000 | 2,387 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5287% | 5,638 |
| Cost of funding earning assets | 0.8421% | 1,294 |
| Net interest margin | 2.6866% | 6,237 |
| Noninterest income to average assets | 0.2102% | 5,980 |
| Noninterest expense to average assets | 2.5048% | 4,730 |
| Loan and lease loss provision to assets | 1.6336% | 85 |
| Net operating income to assets | -0.8500% | 6,774 |
| Return on assets (ROA) | -0.7319% | 6,761 |
| Pretax return on assets | -1.2683% | 6,850 |
| Return on Equity (ROE) | -4.9293% | 6,691 |
| Retained earnings to average equity (ytd only) | -4.9293% | 6,360 |
| Net charge-offs to loans | 2.9501% | 121 |
| Credit loss provision to net charge-offs | 110.5873% | 1,687 |
| Earnings coverage of net charge-offs (x) | 0.1224% | 3,776 |
| Efficiency ratio | 92.7662% | 922 |
| Assets per employee ($millions) | 5.7315% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2834% | 4,779 |
| Loan loss allowance to noncurrent loans | 40.3546% | 5,595 |
| Noncurrent assets plus other real estate owned to assets | 1.8345% | 2,564 |
| Noncurrent loans to loans | 3.1802% | 1,553 |
| Net loans and leases to total assets | 49.6320% | 5,039 |
| Net loans and leases to deposits | 59.7400% | 4,825 |
| Net loans and leases to core deposits | 63.3536% | 4,808 |
| Total domestic deposits to total assets | 83.0801% | 4,826 |
| Equity capital to assets | 15.0060% | 757 |
| Core capital (leverage) ratio | 14.1287% | 766 |
| Tier 1 risk-based capital ratio | 25.5239% | 836 |
| Total risk-based capital ratio | 26.7015% | 831 |
| Memoranda: | ||
| Average total assets | $327,375,000 | 2,013 |
| Average earning assets | $301,640,500 | 2,003 |
| Average equity | $48,607,500 | 1,490 |
| Average total loans | $163,925,500 | 2,392 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6444% | 6,140 |
| Cost of funding earning assets | 1.0009% | 1,352 |
| Net interest margin | 2.6435% | 6,593 |
| Noninterest income to average assets | 0.2136% | 5,897 |
| Noninterest expense to average assets | 2.2291% | 5,858 |
| Loan and lease loss provision to assets | 0.8217% | 580 |
| Net operating income to assets | -0.2303% | 6,392 |
| Return on assets (ROA) | -0.1747% | 6,428 |
| Pretax return on assets | -0.2974% | 6,474 |
| Return on Equity (ROE) | -1.5105% | 6,424 |
| Retained earnings to average equity (ytd only) | -1.5105% | 6,095 |
| Net charge-offs to loans | 1.3322% | 718 |
| Credit loss provision to net charge-offs | 121.0667% | 2,364 |
| Earnings coverage of net charge-offs (x) | 0.6444% | 5,162 |
| Efficiency ratio | 82.9864% | 1,748 |
| Assets per employee ($millions) | 6.2978% | 1,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 5,276 |
| Loan loss allowance to noncurrent loans | 45.7069% | 5,335 |
| Noncurrent assets plus other real estate owned to assets | 1.6280% | 2,957 |
| Noncurrent loans to loans | 2.5535% | 2,073 |
| Net loans and leases to total assets | 49.2939% | 5,267 |
| Net loans and leases to deposits | 58.6619% | 5,169 |
| Net loans and leases to core deposits | 62.2515% | 5,128 |
| Total domestic deposits to total assets | 84.0304% | 4,301 |
| Equity capital to assets | 14.6954% | 823 |
| Core capital (leverage) ratio | 13.7293% | 877 |
| Tier 1 risk-based capital ratio | 24.5488% | 906 |
| Total risk-based capital ratio | 25.6015% | 904 |
| Memoranda: | ||
| Average total assets | $331,516,800 | 1,945 |
| Average earning assets | $307,626,600 | 1,926 |
| Average equity | $38,332,000 | 1,815 |
| Average total loans | $168,891,400 | 2,323 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7288% | 6,174 |
| Cost of funding earning assets | 1.0303% | 1,391 |
| Net interest margin | 2.6985% | 6,647 |
| Noninterest income to average assets | 0.2159% | 5,993 |
| Noninterest expense to average assets | 2.2867% | 5,721 |
| Loan and lease loss provision to assets | 0.9625% | 438 |
| Net operating income to assets | -0.3269% | 6,593 |
| Return on assets (ROA) | -0.2599% | 6,606 |
| Pretax return on assets | -0.4214% | 6,670 |
| Return on Equity (ROE) | -2.4121% | 6,594 |
| Retained earnings to average equity (ytd only) | -2.4121% | 6,436 |
| Net charge-offs to loans | 1.6016% | 521 |
| Credit loss provision to net charge-offs | 117.3379% | 2,479 |
| Earnings coverage of net charge-offs (x) | 0.5319% | 5,052 |
| Efficiency ratio | 83.3703% | 1,660 |
| Assets per employee ($millions) | 6.8327% | 799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 5,594 |
| Loan loss allowance to noncurrent loans | 42.4808% | 5,524 |
| Noncurrent assets plus other real estate owned to assets | 1.4833% | 3,373 |
| Noncurrent loans to loans | 2.6589% | 2,133 |
| Net loans and leases to total assets | 43.2241% | 6,023 |
| Net loans and leases to deposits | 48.0204% | 6,253 |
| Net loans and leases to core deposits | 50.4103% | 6,259 |
| Total domestic deposits to total assets | 90.0119% | 840 |
| Equity capital to assets | 9.6694% | 4,960 |
| Core capital (leverage) ratio | 8.7137% | 5,454 |
| Tier 1 risk-based capital ratio | 18.7771% | 2,080 |
| Total risk-based capital ratio | 19.8497% | 2,098 |
| Memoranda: | ||
| Average total assets | $330,950,000 | 1,963 |
| Average earning assets | $307,474,000 | 1,944 |
| Average equity | $35,652,250 | 1,954 |
| Average total loans | $169,494,750 | 2,346 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9887% | 5,677 |
| Cost of funding earning assets | 1.1124% | 1,163 |
| Net interest margin | 2.8763% | 6,457 |
| Noninterest income to average assets | 0.1879% | 6,223 |
| Noninterest expense to average assets | 2.2848% | 5,779 |
| Loan and lease loss provision to assets | 1.5012% | 241 |
| Net operating income to assets | -0.5978% | 6,778 |
| Return on assets (ROA) | -0.4933% | 6,774 |
| Pretax return on assets | -0.7717% | 6,837 |
| Return on Equity (ROE) | -4.4047% | 6,744 |
| Retained earnings to average equity (ytd only) | -4.4047% | 6,579 |
| Net charge-offs to loans | 2.0334% | 400 |
| Credit loss provision to net charge-offs | 136.4363% | 2,011 |
| Earnings coverage of net charge-offs (x) | 0.5146% | 4,814 |
| Efficiency ratio | 79.5460% | 2,259 |
| Assets per employee ($millions) | 6.0722% | 1,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 5,097 |
| Loan loss allowance to noncurrent loans | 42.0811% | 5,557 |
| Noncurrent assets plus other real estate owned to assets | 1.9607% | 2,830 |
| Noncurrent loans to loans | 2.9856% | 1,986 |
| Net loans and leases to total assets | 52.4456% | 5,041 |
| Net loans and leases to deposits | 59.3914% | 5,301 |
| Net loans and leases to core deposits | 63.3579% | 5,272 |
| Total domestic deposits to total assets | 88.3051% | 1,955 |
| Equity capital to assets | 11.2240% | 2,868 |
| Core capital (leverage) ratio | 10.1468% | 3,205 |
| Tier 1 risk-based capital ratio | 19.7826% | 1,766 |
| Total risk-based capital ratio | 21.0334% | 1,733 |
| Memoranda: | ||
| Average total assets | $318,277,330 | 2,035 |
| Average earning assets | $294,681,330 | 2,017 |
| Average equity | $35,644,000 | 1,942 |
| Average total loans | $172,224,670 | 2,327 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0001% | 5,754 |
| Cost of funding earning assets | 1.1423% | 1,204 |
| Net interest margin | 2.8578% | 6,543 |
| Noninterest income to average assets | 0.2040% | 6,167 |
| Noninterest expense to average assets | 2.1506% | 6,152 |
| Loan and lease loss provision to assets | 2.9179% | 77 |
| Net operating income to assets | -1.4319% | 7,075 |
| Return on assets (ROA) | -1.2618% | 7,056 |
| Pretax return on assets | -1.9378% | 7,131 |
| Return on Equity (ROE) | -11.2796% | 7,014 |
| Retained earnings to average equity (ytd only) | -11.2796% | 6,876 |
| Net charge-offs to loans | 0.5685% | 1,666 |
| Credit loss provision to net charge-offs | 939.9194% | 372 |
| Earnings coverage of net charge-offs (x) | 2.3145% | 3,243 |
| Efficiency ratio | 74.3455% | 3,042 |
| Assets per employee ($millions) | 6.2461% | 1,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0482% | 2,223 |
| Loan loss allowance to noncurrent loans | 48.1954% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 2.5509% | 2,316 |
| Noncurrent loans to loans | 4.2498% | 1,413 |
| Net loans and leases to total assets | 53.3246% | 4,833 |
| Net loans and leases to deposits | 60.2355% | 5,119 |
| Net loans and leases to core deposits | 64.0030% | 5,111 |
| Total domestic deposits to total assets | 88.5268% | 1,995 |
| Equity capital to assets | 11.0077% | 2,898 |
| Core capital (leverage) ratio | 9.9822% | 3,381 |
| Tier 1 risk-based capital ratio | 19.4057% | 1,869 |
| Total risk-based capital ratio | 20.6666% | 1,831 |
| Memoranda: | ||
| Average total assets | $319,540,000 | 2,032 |
| Average earning assets | $297,995,500 | 1,993 |
| Average equity | $35,746,000 | 1,944 |
| Average total loans | $174,484,500 | 2,315 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1228% | 6,237 |
| Cost of funding earning assets | 1.3738% | 1,150 |
| Net interest margin | 2.7490% | 6,882 |
| Noninterest income to average assets | 0.1568% | 6,366 |
| Noninterest expense to average assets | 2.0415% | 6,603 |
| Loan and lease loss provision to assets | 0.1997% | 4,192 |
| Net operating income to assets | 0.3422% | 5,100 |
| Return on assets (ROA) | 0.3862% | 5,088 |
| Pretax return on assets | 0.5519% | 4,827 |
| Return on Equity (ROE) | 3.6010% | 5,022 |
| Retained earnings to average equity (ytd only) | 3.6010% | 3,653 |
| Net charge-offs to loans | 0.3472% | 3,662 |
| Credit loss provision to net charge-offs | 106.6558% | 3,180 |
| Earnings coverage of net charge-offs (x) | 3.6786% | 3,426 |
| Efficiency ratio | 73.9648% | 3,245 |
| Assets per employee ($millions) | 6.2849% | 1,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5246% | 7,087 |
| Loan loss allowance to noncurrent loans | 12.6685% | 6,783 |
| Noncurrent assets plus other real estate owned to assets | 2.2681% | 2,655 |
| Noncurrent loans to loans | 4.1412% | 1,491 |
| Net loans and leases to total assets | 54.4818% | 4,954 |
| Net loans and leases to deposits | 61.8205% | 5,271 |
| Net loans and leases to core deposits | 65.4830% | 5,323 |
| Total domestic deposits to total assets | 88.1290% | 2,074 |
| Equity capital to assets | 11.3647% | 2,624 |
| Core capital (leverage) ratio | 10.2861% | 2,988 |
| Tier 1 risk-based capital ratio | 17.5181% | 2,375 |
| Total risk-based capital ratio | 18.0146% | 2,675 |
| Memoranda: | ||
| Average total assets | $329,067,400 | 1,962 |
| Average earning assets | $308,044,200 | 1,908 |
| Average equity | $35,296,200 | 1,913 |
| Average total loans | $177,418,600 | 2,287 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1805% | 6,254 |
| Cost of funding earning assets | 1.4222% | 1,142 |
| Net interest margin | 2.7583% | 6,933 |
| Noninterest income to average assets | 0.1634% | 6,427 |
| Noninterest expense to average assets | 2.0531% | 6,588 |
| Loan and lease loss provision to assets | 0.2766% | 3,301 |
| Net operating income to assets | 0.2987% | 5,397 |
| Return on assets (ROA) | 0.3587% | 5,358 |
| Pretax return on assets | 0.4992% | 5,164 |
| Return on Equity (ROE) | 3.3929% | 5,274 |
| Retained earnings to average equity (ytd only) | 3.3929% | 4,320 |
| Net charge-offs to loans | 0.5217% | 2,667 |
| Credit loss provision to net charge-offs | 98.7069% | 3,462 |
| Earnings coverage of net charge-offs (x) | 2.4713% | 3,891 |
| Efficiency ratio | 73.9443% | 3,192 |
| Assets per employee ($millions) | 6.5253% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4970% | 7,166 |
| Loan loss allowance to noncurrent loans | 25.0792% | 6,484 |
| Noncurrent assets plus other real estate owned to assets | 1.0645% | 4,645 |
| Noncurrent loans to loans | 1.9816% | 3,394 |
| Net loans and leases to total assets | 53.4516% | 5,251 |
| Net loans and leases to deposits | 60.3689% | 5,590 |
| Net loans and leases to core deposits | 63.7483% | 5,645 |
| Total domestic deposits to total assets | 88.5416% | 1,728 |
| Equity capital to assets | 11.0685% | 3,076 |
| Core capital (leverage) ratio | 9.9834% | 3,469 |
| Tier 1 risk-based capital ratio | 17.7308% | 2,354 |
| Total risk-based capital ratio | 18.2119% | 2,623 |
| Memoranda: | ||
| Average total assets | $331,202,000 | 1,959 |
| Average earning assets | $310,036,000 | 1,902 |
| Average equity | $35,013,500 | 1,927 |
| Average total loans | $177,885,500 | 2,289 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1942% | 6,285 |
| Cost of funding earning assets | 1.4793% | 1,075 |
| Net interest margin | 2.7149% | 7,013 |
| Noninterest income to average assets | 0.1646% | 6,477 |
| Noninterest expense to average assets | 2.0238% | 6,740 |
| Loan and lease loss provision to assets | 0.2211% | 3,706 |
| Net operating income to assets | 0.3386% | 5,220 |
| Return on assets (ROA) | 0.3533% | 5,297 |
| Pretax return on assets | 0.4771% | 5,142 |
| Return on Equity (ROE) | 3.3942% | 5,213 |
| Retained earnings to average equity (ytd only) | 3.3942% | 4,102 |
| Net charge-offs to loans | 0.4106% | 2,908 |
| Credit loss provision to net charge-offs | 100.2725% | 3,099 |
| Earnings coverage of net charge-offs (x) | 3.0763% | 3,315 |
| Efficiency ratio | 74.0049% | 3,363 |
| Assets per employee ($millions) | 6.6043% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4965% | 7,235 |
| Loan loss allowance to noncurrent loans | 53.1080% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 0.5018% | 5,912 |
| Noncurrent loans to loans | 0.9349% | 5,101 |
| Net loans and leases to total assets | 53.4085% | 5,371 |
| Net loans and leases to deposits | 60.0242% | 5,723 |
| Net loans and leases to core deposits | 63.0539% | 5,804 |
| Total domestic deposits to total assets | 88.9784% | 1,539 |
| Equity capital to assets | 10.6921% | 3,297 |
| Core capital (leverage) ratio | 9.7288% | 3,627 |
| Tier 1 risk-based capital ratio | 17.5052% | 2,339 |
| Total risk-based capital ratio | 17.9899% | 2,588 |
| Memoranda: | ||
| Average total assets | $332,847,000 | 1,959 |
| Average earning assets | $311,094,000 | 1,911 |
| Average equity | $34,647,000 | 1,921 |
| Average total loans | $178,758,670 | 2,301 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0891% | 6,519 |
| Cost of funding earning assets | 1.5269% | 1,061 |
| Net interest margin | 2.5622% | 7,153 |
| Noninterest income to average assets | 0.1580% | 6,589 |
| Noninterest expense to average assets | 1.9823% | 6,853 |
| Loan and lease loss provision to assets | 0.0299% | 5,592 |
| Net operating income to assets | 0.3814% | 5,023 |
| Return on assets (ROA) | 0.4070% | 5,003 |
| Pretax return on assets | 0.5913% | 4,718 |
| Return on Equity (ROE) | 3.9631% | 4,923 |
| Retained earnings to average equity (ytd only) | 3.9631% | 3,793 |
| Net charge-offs to loans | 0.1916% | 3,356 |
| Credit loss provision to net charge-offs | 29.0698% | 4,133 |
| Earnings coverage of net charge-offs (x) | 5.6744% | 2,233 |
| Efficiency ratio | 76.1660% | 3,135 |
| Assets per employee ($millions) | 7.1423% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4578% | 7,308 |
| Loan loss allowance to noncurrent loans | 50.4621% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 0.4835% | 6,020 |
| Noncurrent loans to loans | 0.9073% | 5,229 |
| Net loans and leases to total assets | 53.0454% | 5,442 |
| Net loans and leases to deposits | 59.3928% | 5,781 |
| Net loans and leases to core deposits | 61.9113% | 5,935 |
| Total domestic deposits to total assets | 89.3128% | 1,587 |
| Equity capital to assets | 10.2175% | 3,515 |
| Core capital (leverage) ratio | 9.4509% | 3,883 |
| Tier 1 risk-based capital ratio | 17.1518% | 2,420 |
| Total risk-based capital ratio | 17.5984% | 2,699 |
| Memoranda: | ||
| Average total assets | $334,163,000 | 1,962 |
| Average earning assets | $314,101,000 | 1,901 |
| Average equity | $34,317,000 | 1,930 |
| Average total loans | $179,516,500 | 2,315 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3519% | 6,697 |
| Cost of funding earning assets | 1.8938% | 861 |
| Net interest margin | 2.4581% | 7,296 |
| Noninterest income to average assets | 0.1635% | 6,549 |
| Noninterest expense to average assets | 1.8867% | 7,175 |
| Loan and lease loss provision to assets | 0.1127% | 6,030 |
| Net operating income to assets | 0.2766% | 5,014 |
| Return on assets (ROA) | 0.3749% | 4,804 |
| Pretax return on assets | 0.5044% | 4,609 |
| Return on Equity (ROE) | 3.5753% | 4,712 |
| Retained earnings to average equity (ytd only) | 3.5753% | 3,352 |
| Net charge-offs to loans | 0.0181% | 6,634 |
| Credit loss provision to net charge-offs | 1,103.0303% | 205 |
| Earnings coverage of net charge-offs (x) | 47.3939% | 487 |
| Efficiency ratio | 78.3364% | 2,642 |
| Assets per employee ($millions) | 6.9299% | 766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4885% | 7,364 |
| Loan loss allowance to noncurrent loans | 55.6258% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 0.4756% | 6,092 |
| Noncurrent loans to loans | 0.8782% | 5,310 |
| Net loans and leases to total assets | 53.8925% | 5,643 |
| Net loans and leases to deposits | 60.3801% | 6,016 |
| Net loans and leases to core deposits | 62.8441% | 6,165 |
| Total domestic deposits to total assets | 89.2555% | 1,513 |
| Equity capital to assets | 10.3221% | 3,363 |
| Core capital (leverage) ratio | 9.4395% | 3,785 |
| Tier 1 risk-based capital ratio | 17.3022% | 2,229 |
| Total risk-based capital ratio | 17.7919% | 2,481 |
| Memoranda: | ||
| Average total assets | $322,989,800 | 2,011 |
| Average earning assets | $290,057,200 | 2,045 |
| Average equity | $33,871,000 | 1,951 |
| Average total loans | $181,882,000 | 2,332 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4642% | 6,682 |
| Cost of funding earning assets | 1.9580% | 859 |
| Net interest margin | 2.5061% | 7,375 |
| Noninterest income to average assets | 0.1593% | 6,722 |
| Noninterest expense to average assets | 1.9144% | 7,181 |
| Loan and lease loss provision to assets | 0.0724% | 6,335 |
| Net operating income to assets | 0.3050% | 5,144 |
| Return on assets (ROA) | 0.3627% | 5,098 |
| Pretax return on assets | 0.4704% | 5,015 |
| Return on Equity (ROE) | 3.4443% | 5,024 |
| Retained earnings to average equity (ytd only) | 3.4443% | 4,026 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1376% | 2,468 |
| Assets per employee ($millions) | 7.0485% | 754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3995% | 7,536 |
| Loan loss allowance to noncurrent loans | 472.5490% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 7,229 |
| Noncurrent loans to loans | 0.0845% | 7,024 |
| Net loans and leases to total assets | 54.4061% | 5,786 |
| Net loans and leases to deposits | 60.8644% | 6,234 |
| Net loans and leases to core deposits | 63.2183% | 6,354 |
| Total domestic deposits to total assets | 89.3890% | 1,182 |
| Equity capital to assets | 10.4652% | 3,553 |
| Core capital (leverage) ratio | 9.3872% | 4,077 |
| Tier 1 risk-based capital ratio | 17.2226% | 2,270 |
| Total risk-based capital ratio | 17.6278% | 2,555 |
| Memoranda: | ||
| Average total assets | $320,578,250 | 2,061 |
| Average earning assets | $284,360,500 | 2,113 |
| Average equity | $33,755,000 | 1,981 |
| Average total loans | $182,316,000 | 2,368 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5960% | 6,469 |
| Cost of funding earning assets | 2.0350% | 810 |
| Net interest margin | 2.5610% | 7,380 |
| Noninterest income to average assets | 0.1539% | 6,785 |
| Noninterest expense to average assets | 1.9261% | 7,218 |
| Loan and lease loss provision to assets | 0.0278% | 6,669 |
| Net operating income to assets | 0.3400% | 5,024 |
| Return on assets (ROA) | 0.3426% | 5,173 |
| Pretax return on assets | 0.4240% | 5,140 |
| Return on Equity (ROE) | 3.2466% | 5,118 |
| Retained earnings to average equity (ytd only) | 3.2466% | 4,036 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8087% | 2,465 |
| Assets per employee ($millions) | 6.9548% | 788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3238% | 7,651 |
| Loan loss allowance to noncurrent loans | 185.3125% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.0979% | 7,151 |
| Noncurrent loans to loans | 0.1747% | 6,903 |
| Net loans and leases to total assets | 55.8472% | 5,726 |
| Net loans and leases to deposits | 62.4618% | 6,188 |
| Net loans and leases to core deposits | 64.5380% | 6,357 |
| Total domestic deposits to total assets | 89.4101% | 1,220 |
| Equity capital to assets | 10.4725% | 3,445 |
| Core capital (leverage) ratio | 9.5326% | 3,774 |
| Tier 1 risk-based capital ratio | 18.0017% | 1,960 |
| Total risk-based capital ratio | 18.3479% | 2,195 |
| Memoranda: | ||
| Average total assets | $317,011,330 | 2,098 |
| Average earning assets | $274,890,330 | 2,198 |
| Average equity | $33,450,330 | 1,990 |
| Average total loans | $182,768,330 | 2,392 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6472% | 6,420 |
| Cost of funding earning assets | 2.0394% | 978 |
| Net interest margin | 2.6078% | 7,383 |
| Noninterest income to average assets | 0.1448% | 6,938 |
| Noninterest expense to average assets | 1.8547% | 7,406 |
| Loan and lease loss provision to assets | 0.0231% | 6,424 |
| Net operating income to assets | 0.3787% | 4,938 |
| Return on assets (ROA) | 0.3832% | 5,050 |
| Pretax return on assets | 0.5435% | 4,806 |
| Return on Equity (ROE) | 3.6177% | 5,069 |
| Retained earnings to average equity (ytd only) | 3.6177% | 3,985 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3185% | 3,344 |
| Assets per employee ($millions) | 6.8259% | 855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3131% | 7,747 |
| Loan loss allowance to noncurrent loans | 407.9137% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 7,369 |
| Noncurrent loans to loans | 0.0767% | 7,205 |
| Net loans and leases to total assets | 56.2779% | 5,701 |
| Net loans and leases to deposits | 62.9631% | 6,175 |
| Net loans and leases to core deposits | 64.8578% | 6,390 |
| Total domestic deposits to total assets | 89.3824% | 1,310 |
| Equity capital to assets | 10.3966% | 3,346 |
| Core capital (leverage) ratio | 9.6302% | 3,598 |
| Tier 1 risk-based capital ratio | 19.7345% | 1,575 |
| Total risk-based capital ratio | 20.1004% | 1,717 |
| Memoranda: | ||
| Average total assets | $312,079,000 | 2,182 |
| Average earning assets | $271,650,000 | 2,271 |
| Average equity | $33,059,500 | 2,030 |
| Average total loans | $182,580,500 | 2,457 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7425% | 7,071 |
| Cost of funding earning assets | 2.6787% | 625 |
| Net interest margin | 2.0639% | 7,716 |
| Noninterest income to average assets | 0.1404% | 7,041 |
| Noninterest expense to average assets | 1.7605% | 7,653 |
| Loan and lease loss provision to assets | 0.0166% | 7,332 |
| Net operating income to assets | 0.1770% | 4,974 |
| Return on assets (ROA) | 0.3338% | 4,486 |
| Pretax return on assets | 0.4722% | 4,274 |
| Return on Equity (ROE) | 2.5046% | 4,702 |
| Retained earnings to average equity (ytd only) | 2.5046% | 3,390 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7943% | 2,022 |
| Assets per employee ($millions) | 7.0545% | 779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2983% | 7,829 |
| Loan loss allowance to noncurrent loans | 274.5000% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.0705% | 7,320 |
| Noncurrent loans to loans | 0.1087% | 7,143 |
| Net loans and leases to total assets | 60.4916% | 5,260 |
| Net loans and leases to deposits | 67.9442% | 5,836 |
| Net loans and leases to core deposits | 88.0766% | 5,321 |
| Total domestic deposits to total assets | 89.0312% | 1,467 |
| Equity capital to assets | 10.8013% | 2,865 |
| Core capital (leverage) ratio | 10.8701% | 2,302 |
| Tier 1 risk-based capital ratio | 20.1781% | 1,429 |
| Total risk-based capital ratio | 20.5150% | 1,563 |
| Memoranda: | ||
| Average total assets | $247,140,000 | 2,635 |
| Average earning assets | $226,081,400 | 2,635 |
| Average equity | $32,939,200 | 2,036 |
| Average total loans | $165,217,000 | 2,683 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8252% | 7,063 |
| Cost of funding earning assets | 2.8488% | 528 |
| Net interest margin | 1.9763% | 7,827 |
| Noninterest income to average assets | 0.1441% | 7,144 |
| Noninterest expense to average assets | 1.7178% | 7,744 |
| Loan and lease loss provision to assets | 0.0132% | 7,201 |
| Net operating income to assets | 0.1795% | 5,223 |
| Return on assets (ROA) | 0.2809% | 4,970 |
| Pretax return on assets | 0.3913% | 4,821 |
| Return on Equity (ROE) | 1.9848% | 5,164 |
| Retained earnings to average equity (ytd only) | 1.9848% | 4,216 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6917% | 1,998 |
| Assets per employee ($millions) | 6.8532% | 842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3312% | 7,884 |
| Loan loss allowance to noncurrent loans | 177.0000% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.1326% | 7,213 |
| Noncurrent loans to loans | 0.1871% | 7,028 |
| Net loans and leases to total assets | 66.6096% | 4,279 |
| Net loans and leases to deposits | 77.4580% | 4,828 |
| Net loans and leases to core deposits | 100.6482% | 4,298 |
| Total domestic deposits to total assets | 85.9944% | 2,707 |
| Equity capital to assets | 13.8542% | 1,355 |
| Core capital (leverage) ratio | 13.6501% | 1,185 |
| Tier 1 risk-based capital ratio | 23.1509% | 1,092 |
| Total risk-based capital ratio | 23.5293% | 1,175 |
| Memoranda: | ||
| Average total assets | $233,089,250 | 2,803 |
| Average earning assets | $216,691,500 | 2,766 |
| Average equity | $32,982,750 | 2,056 |
| Average total loans | $160,509,750 | 2,777 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8107% | 7,208 |
| Cost of funding earning assets | 2.9471% | 545 |
| Net interest margin | 1.8636% | 7,923 |
| Noninterest income to average assets | 0.1412% | 7,244 |
| Noninterest expense to average assets | 1.6532% | 7,877 |
| Loan and lease loss provision to assets | 0.0104% | 7,105 |
| Net operating income to assets | 0.1515% | 5,415 |
| Return on assets (ROA) | 0.2279% | 5,253 |
| Pretax return on assets | 0.3275% | 5,141 |
| Return on Equity (ROE) | 1.5988% | 5,431 |
| Retained earnings to average equity (ytd only) | 1.5988% | 4,440 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8453% | 2,033 |
| Assets per employee ($millions) | 6.6050% | 924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3237% | 7,970 |
| Loan loss allowance to noncurrent loans | 87.1022% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 0.2586% | 6,829 |
| Noncurrent loans to loans | 0.3717% | 6,582 |
| Net loans and leases to total assets | 67.3359% | 4,286 |
| Net loans and leases to deposits | 78.2542% | 4,824 |
| Net loans and leases to core deposits | 100.4977% | 4,461 |
| Total domestic deposits to total assets | 86.0477% | 2,767 |
| Equity capital to assets | 13.8775% | 1,353 |
| Core capital (leverage) ratio | 13.6731% | 1,219 |
| Tier 1 risk-based capital ratio | 23.5879% | 1,076 |
| Total risk-based capital ratio | 23.9668% | 1,136 |
| Memoranda: | ||
| Average total assets | $230,831,670 | 2,852 |
| Average earning assets | $215,603,000 | 2,805 |
| Average equity | $32,900,000 | 2,065 |
| Average total loans | $160,579,000 | 2,817 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8626% | 7,257 |
| Cost of funding earning assets | 3.0715% | 498 |
| Net interest margin | 1.7911% | 7,976 |
| Noninterest income to average assets | 0.1707% | 7,084 |
| Noninterest expense to average assets | 1.5201% | 7,976 |
| Loan and lease loss provision to assets | 0.0106% | 6,698 |
| Net operating income to assets | 0.3184% | 5,226 |
| Return on assets (ROA) | 0.3360% | 5,319 |
| Pretax return on assets | 0.3360% | 5,574 |
| Return on Equity (ROE) | 2.3257% | 5,653 |
| Retained earnings to average equity (ytd only) | 2.3257% | 4,584 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2074% | 2,508 |
| Assets per employee ($millions) | 6.3968% | 1,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3240% | 8,015 |
| Loan loss allowance to noncurrent loans | 94.3119% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 6,805 |
| Noncurrent loans to loans | 0.3436% | 6,572 |
| Net loans and leases to total assets | 68.6600% | 3,986 |
| Net loans and leases to deposits | 80.1530% | 4,586 |
| Net loans and leases to core deposits | 100.9049% | 4,448 |
| Total domestic deposits to total assets | 85.6612% | 2,892 |
| Equity capital to assets | 14.2832% | 1,285 |
| Core capital (leverage) ratio | 14.0862% | 1,172 |
| Tier 1 risk-based capital ratio | 23.0962% | 1,183 |
| Total risk-based capital ratio | 23.4630% | 1,242 |
| Memoranda: | ||
| Average total assets | $227,357,000 | 2,901 |
| Average earning assets | $213,055,500 | 2,844 |
| Average equity | $32,851,000 | 2,061 |
| Average total loans | $160,552,500 | 2,837 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1124% | 7,759 |
| Cost of funding earning assets | 3.4191% | 675 |
| Net interest margin | 1.6933% | 8,153 |
| Noninterest income to average assets | 0.1668% | 7,227 |
| Noninterest expense to average assets | 1.8127% | 7,742 |
| Loan and lease loss provision to assets | 0.0018% | 7,323 |
| Net operating income to assets | 0.0921% | 6,128 |
| Return on assets (ROA) | 0.1528% | 5,801 |
| Pretax return on assets | 0.0333% | 6,091 |
| Return on Equity (ROE) | 1.0553% | 5,900 |
| Retained earnings to average equity (ytd only) | 1.0553% | 4,592 |
| Net charge-offs to loans | -0.0025% | 7,754 |
| Credit loss provision to net charge-offs | -100.0000% | 7,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.4336% | 927 |
| Assets per employee ($millions) | 6.6009% | 849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3127% | 8,075 |
| Loan loss allowance to noncurrent loans | 106.2762% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.2130% | 6,721 |
| Noncurrent loans to loans | 0.2942% | 6,497 |
| Net loans and leases to total assets | 72.1695% | 3,542 |
| Net loans and leases to deposits | 84.6039% | 4,322 |
| Net loans and leases to core deposits | 101.3871% | 4,683 |
| Total domestic deposits to total assets | 85.3028% | 2,703 |
| Equity capital to assets | 14.6193% | 1,271 |
| Core capital (leverage) ratio | 14.4676% | 1,149 |
| Tier 1 risk-based capital ratio | 24.1490% | 1,073 |
| Total risk-based capital ratio | 24.5274% | 1,138 |
| Memoranda: | ||
| Average total assets | $222,481,200 | 2,844 |
| Average earning assets | $212,894,400 | 2,737 |
| Average equity | $32,217,400 | 2,100 |
| Average total loans | $160,518,600 | 2,766 |